II
119THCONGRESS
1
STSESSION S. 656
To amend the Fair Credit Reporting Act to prohibit consumer reporting
agencies from furnishing consumer reports containing adverse items of
information about a consumer that resulted from that consumer being
unlawfully or wrongfully detained abroad or held hostage abroad.
IN THE SENATE OF THE UNITED STATES
FEBRUARY20, 2025
Mr. C
OONS(for himself, Mr. TILLIS, Mr. WYDEN, Ms. LUMMIS, Mr. VAN
H
OLLEN, and Mr. ROUNDS) introduced the following bill; which was read
twice and referred to the Committee on Banking, Housing, and Urban
Affairs
A BILL
To amend the Fair Credit Reporting Act to prohibit con-
sumer reporting agencies from furnishing consumer re-
ports containing adverse items of information about a
consumer that resulted from that consumer being unlaw-
fully or wrongfully detained abroad or held hostage
abroad.
Be it enacted by the Senate and House of Representa-1
tives of the United States of America in Congress assembled, 2
SECTION 1. SHORT TITLE. 3
This Act may be cited as the ‘‘Fair Credit for Amer-4
ican Hostages Act of 2025’’. 5
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•S 656 IS
SEC. 2. ADVERSE INFORMATION ABOUT CONSUMERS UN-1
LAWFULLY OR WRONGFULLY DETAINED 2
ABROAD OR HELD HOSTAGE ABROAD. 3
(a) I
NGENERAL.—The Fair Credit Reporting Act 4
(15 U.S.C. 1681 et seq.) is amended by inserting after 5
section 605C the following: 6
‘‘§ 605D. Adverse information about consumers un-7
lawfully or wrongfully detained abroad 8
or held hostage abroad 9
‘‘(a) D
EFINITIONS.—In this section: 10
‘‘(1) C
OVERED CONSUMER .—The term ‘covered 11
consumer’ means an individual who has been— 12
‘‘(A) a United States national unlawfully 13
or wrongfully detained abroad, as determined 14
under section 302(a) of the Robert Levinson 15
Hostage Recovery and Hostage-Taking Ac-16
countability Act (22 U.S.C. 1741(a)); or 17
‘‘(B) a United States national taken hos-18
tage abroad, as determined by the Hostage Re-19
covery Fusion Cell established by section 304 20
that Act (22 U.S.C. 1741b). 21
‘‘(2) D
ETENTION OR HOSTAGE DOCUMENTA -22
TION.—The term ‘detention or hostage documenta-23
tion’ means documentation that— 24
‘‘(A) certifies a consumer is a covered con-25
sumer under this section; 26
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•S 656 IS
‘‘(B) identifies the time period during 1
which the covered consumer was unlawfully or 2
wrongfully detained abroad or held hostage 3
abroad; and 4
‘‘(C) is authenticated by— 5
‘‘(i) the Special Presidential Envoy for 6
Hostage Affairs established by section 303 7
of the Robert Levinson Hostage Recovery 8
and Hostage-Taking Accountability Act 9
(22 U.S.C. 1741a); or 10
‘‘(ii) the Hostage Recovery Fusion 11
Cell established by section 304 of that Act 12
(22 U.S.C. 1741b). 13
‘‘(b) A
DVERSEINFORMATION.—If a consumer report-14
ing agency described in section 603(p) is able to authen-15
ticate detention or hostage documentation provided by a 16
covered consumer, the consumer reporting agency may not 17
furnish a consumer report containing any adverse item of 18
information about the covered consumer dating during the 19
time period the covered consumer was unlawfully or 20
wrongfully detained abroad or held hostage abroad.’’. 21
(b) T
ECHNICAL AND CONFORMINGAMENDMENT.— 22
The table of contents of the Fair Credit Reporting Act 23
is amended by inserting after the item relating to section 24
605C the following: 25
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•S 656 IS
‘‘605D. Adverse information about consumers unlawfully or wrongfully detained
abroad or held hostage abroad.’’.
Æ
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